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Online Application

Welcome to our online application system and thank you for choosing Clydesdale Bank. Before you begin, please read through the following important information to ensure we are able to process your application.

In order to commence the credit assessment, please upload all supporting documents at the same time as you submit the application. Please refer to the Packaging Requirements section of our website for further information.

We will instruct the valuation as soon as we are able to do so. This may be prior to any underwriting assessment having taken place. Please ensure your customer is aware of this.

Important information - changes to product offering and policy requirements

We have restarted physical valuations and reinstated our product range up to 85% LTV. Some changes to policy requirements remain in place.

We’re continuing to monitor the situation closely and we’re working hard to support you and your customers during these difficult times.

For a full update of all changes please view our dedicated update page.

What does this mean for your clients?

We have residential products available to 85% LTV and BTL to 80%.

Following the easing of restrictions, surveyors are now able to carry out physical inspections across the UK.

Some changes to policy requirements remain in place.

Affordability policy

We’ve had to make some temporary changes to our lending policy.

We are no longer able to accept the following:

  • Any form of variable income (overtime, commission, bonus). Affordability will be assessed on basic salary only.
  • Where an employed customer is designated as furloughed, their income will not be used in the affordability assessment.


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